Car Insurance Tips for Your Summer Vacation
By Hanna
Posted on Mar 29, 2025
Planning a road trip this summer? Whether you're heading to the scenic beaches of Batangas, the mountain views of Baguio, or exploring the countryside, having the right car insurance is essential for a worry-free vacation. Here are some important car insurance tips to keep in mind before you hit the road.
1. Review Your Car Insurance Coverage
Before hitting the road, review your existing car insurance policy. Make sure it includes comprehensive coverage to protect against accidents, theft, and natural disasters like typhoons or flooding. If you have only the mandatory CTPL insurance, consider upgrading to a more comprehensive plan for better protection.
2. Ensure You Have Roadside Assistance
Car breakdowns can happen anytime, especially on long trips. Check if your policy includes 24/7 roadside assistance for services like towing, flat tire replacement, battery jump-starts, and emergency fuel delivery. This can help you avoid unnecessary stress and delays.
Source: Freepik
3. Keep Your Insurance Documents Handy
Always carry a copy of your car insurance policy, OR/CR (Official Receipt and Certificate of Registration), and driver’s license in your vehicle. For added convenience, save a digital copy on your phone in case you need quick access.
4. Know Your Insurer’s Emergency Contact Numbers
Save your insurance provider’s hotline and claims department numbers in your phone. Quick access to these contacts can help you in case of emergencies or when you need immediate assistance.
5. Inspect Your Car Before Your Trip
A well-maintained car reduces the risk of breakdowns and accidents. Before leaving, check your brakes, tires, engine oil, coolant, battery, and lights to ensure everything is in top condition. Some insurers may require proof of maintenance when filing claims.
Final Thoughts
A summer road trip is an exciting adventure, but unexpected situations can happen. Securing the right car insurance gives you peace of mind and financial protection during your travels. Before hitting the road, review your coverage, ensure you have roadside assistance, and always drive responsibly.